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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $77,955 | $81,358-4.2% | $155,556-49.9% | $80,959-3.7% |
| Participation rate | 96.8% | 66.3%+30.5pp | 78.2%+18.5pp | 67.7%+29.1pp |
| Annual return | 10.82% | 33.39%-22.6pp | 64.84%-54.0pp | 35.67%-24.8pp |
| Employer contribution / active EE | $2,045 | $3,106-34.2% | $4,675-56.3% | $2,757-25.8% |
| Participant deferral / active EE | $4,689 | $3,455+35.7% | $5,631-16.7% | $4,300+9.0% |
| Admin fee / account holder | $536 | $7,994-93.3% | $15,885-96.6% | $6,925-92.3% |